$RM
Regional Management Corp.

2013 Form 10-K Financial Statement

#000119312514102613 Filed on March 17, 2014

View on sec.gov

Income Statement

Concept 2013 2012 Q4 2012 Q3
Revenue $170.6M $36.89M $35.37M
YoY Change 25.74% 25.35% 32.38%
Cost Of Revenue $0.00 $0.00 $0.00
YoY Change -100.0% -100.0% -100.0%
Gross Profit $170.6M $48.54M $35.49M
YoY Change 27.12% 65.95% 33.72%
Gross Profit Margin 99.98% 131.58% 100.33%
Selling, General & Admin $75.02M $14.49M $15.00M
YoY Change 67.08% 76.92% 72.86%
% of Gross Profit 43.97% 29.85% 42.28%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.459M $700.0K $600.0K
YoY Change 33.14% 75.0% 50.0%
% of Gross Profit 2.03% 1.44% 1.69%
Operating Expenses $75.02M $31.12M $15.00M
YoY Change -9.94% 95.23% 1.17%
Operating Profit $95.58M $17.42M $20.49M
YoY Change 87.78% 30.88% 74.94%
Interest Expense $14.14M $3.024M $2.705M
YoY Change 21.83% -191.64% -181.23%
% of Operating Profit 14.8% 17.36% 13.2%
Other Income/Expense, Net $15.44M $2.810M
YoY Change 45.09%
Pretax Income $46.25M $13.52M $11.10M
YoY Change 17.66% 35.06% 32.42%
Income Tax $17.46M $3.552M $4.103M
% Of Pretax Income 37.75% 26.27% 36.97%
Net Earnings $28.79M $6.469M $6.808M
YoY Change 16.33% 1.08% 31.18%
Net Earnings / Revenue 16.88% 17.54% 19.25%
Basic Earnings Per Share $2.29 $0.52 $0.55
Diluted Earnings Per Share $2.23 $0.51 $0.53
COMMON SHARES
Basic Shares Outstanding 12.57M shares 12.49M shares
Diluted Shares Outstanding 12.89M shares 12.77M shares

Balance Sheet

Concept 2013 2012 Q4 2012 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.100M $3.300M $4.400M
YoY Change 24.24% -31.25% 57.14%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables -$22.10M
Other Receivables $0.00
Total Short-Term Assets $4.100M $3.300M -$17.70M
YoY Change 24.24% -122.76% 12.74%
LONG-TERM ASSETS
Property, Plant & Equipment $7.100M $5.111M $5.100M
YoY Change 39.22% 16.16% 21.43%
Goodwill $363.0K
YoY Change 0.0%
Intangibles $1.815M
YoY Change
Long-Term Investments $0.00
YoY Change
Other Assets $3.000M $0.00
YoY Change 50.0% -100.0%
Total Long-Term Assets $529.8M $431.2M $412.0M
YoY Change 22.87% 35.3% 38.53%
TOTAL ASSETS
Total Short-Term Assets $4.100M $3.300M -$17.70M
Total Long-Term Assets $529.8M $431.2M $412.0M
Total Assets $533.9M $434.5M $394.3M
YoY Change 22.88% 42.84% 39.97%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $7.300M $7.000M $5.400M
YoY Change 4.29% -5.41% -28.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $1.400M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $7.300M $7.000M $6.800M
YoY Change 4.29% -5.41% -9.33%
LONG-TERM LIABILITIES
Long-Term Debt $362.8M $292.4M $258.3M
YoY Change 24.08% 26.14% 19.75%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $362.8M $292.4M $258.3M
YoY Change 24.08% 26.14% 19.75%
TOTAL LIABILITIES
Total Short-Term Liabilities $7.300M $7.000M $6.800M
Total Long-Term Liabilities $362.8M $292.4M $258.3M
Total Liabilities $372.7M $305.3M $270.6M
YoY Change 22.08% 27.59% 21.24%
SHAREHOLDERS EQUITY
Retained Earnings $47.80M
YoY Change 107.41%
Common Stock $81.41M
YoY Change 8615.95%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $161.2M $129.2M $123.7M
YoY Change
Total Liabilities & Shareholders Equity $533.9M $434.5M $394.3M
YoY Change 22.88% 42.84% 39.97%

Cashflow Statement

Concept 2013 2012 Q4 2012 Q3
OPERATING ACTIVITIES
Net Income $28.79M $6.469M $6.808M
YoY Change 16.33% 1.08% 31.18%
Depreciation, Depletion And Amortization $3.459M $700.0K $600.0K
YoY Change 33.14% 75.0% 50.0%
Cash From Operating Activities $72.59M $15.90M $13.30M
YoY Change 25.76% 3.92% 6.4%
INVESTING ACTIVITIES
Capital Expenditures $4.163M -$400.0K -$500.0K
YoY Change 108.57% -33.33% -16.67%
Acquisitions $575.0K
YoY Change -97.97%
Other Investing Activities -$138.5M -$48.70M -$56.70M
YoY Change -11.78% 70.28% 97.56%
Cash From Investing Activities -$142.7M -$49.10M -$57.20M
YoY Change -10.27% 68.15% 95.22%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 70.91M 32.00M 46.00M
YoY Change -28.9% 101.26% 177.11%
NET CHANGE
Cash From Operating Activities 72.59M 15.90M 13.30M
Cash From Investing Activities -142.7M -49.10M -57.20M
Cash From Financing Activities 70.91M 32.00M 46.00M
Net Change In Cash 823.0K -1.200M 2.100M
YoY Change -153.06% -160.0% -1150.0%
FREE CASH FLOW
Cash From Operating Activities $72.59M $15.90M $13.30M
Capital Expenditures $4.163M -$400.0K -$500.0K
Free Cash Flow $68.43M $16.30M $13.80M
YoY Change 22.79% 2.52% 5.34%

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CY2013Q4 us-gaap Commitments And Contingencies
CommitmentsAndContingencies
CY2013Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
DeferredTaxAssetsGoodwillAndIntangibleAssets
501000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
17455000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Four Years
OperatingLeasesFutureMinimumPaymentsReceivableInFourYears
879000
CY2013Q4 us-gaap Goodwill
Goodwill
716000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Two Years
OperatingLeasesFutureMinimumPaymentsReceivableInTwoYears
3370000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
988000
CY2013Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
514595000
CY2013Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
1478000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
550000
CY2013Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
18026000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
45000
CY2013Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
1900000
CY2013Q4 us-gaap Business Combination Acquired Receivables Fair Value
BusinessCombinationAcquiredReceivablesFairValue
211000
CY2013Q4 us-gaap Assets
Assets
533888000
CY2013Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired Goodwill And Liabilities Assumed Net
BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet
575000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable Thereafter
OperatingLeasesFutureMinimumPaymentsReceivableThereafter
27000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable
OperatingLeasesFutureMinimumPaymentsReceivable
11093000
CY2013Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
-2653000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
694000
CY2013Q4 us-gaap Financing Receivable Recorded Investment30 To59 Days Past Due
FinancingReceivableRecordedInvestment30To59DaysPastDue
17088000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
43810000
CY2013Q4 us-gaap Financing Receivable Recorded Investment60 To89 Days Past Due
FinancingReceivableRecordedInvestment60To89DaysPastDue
9267000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
363000
CY2013Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
18420000
CY2013Q4 us-gaap Foreclosed Assets
ForeclosedAssets
548000
CY2013Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Letter Of Credit Facilities
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForLetterOfCreditFacilities
1900000
CY2013Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1386000
CY2013Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
14234000
CY2013Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
8587000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
407571000
CY2013Q4 us-gaap Deferred Tax Assets Deferred Income
DeferredTaxAssetsDeferredIncome
1461000
CY2013Q4 us-gaap Deferred Finance Costs Net
DeferredFinanceCostsNet
1127000
CY2013Q4 us-gaap Interest Rate Derivative Assets At Fair Value
InterestRateDerivativeAssetsAtFairValue
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Five Years
OperatingLeasesFutureMinimumPaymentsReceivableInFiveYears
371000
CY2013Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
20118000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Three Years
OperatingLeasesFutureMinimumPaymentsReceivableInThreeYears
2040000
CY2013Q4 us-gaap Other Assets
OtherAssets
5422000
CY2013Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
536097000
CY2013Q4 us-gaap Deferred Tax Assets Hedging Transactions
DeferredTaxAssetsHedgingTransactions
12000
CY2013Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
544684000
CY2013Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
658176000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
264000
CY2013Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Property Plant And Equipment
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment
11000
CY2013Q4 us-gaap Cash
Cash
4121000
CY2013Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
164000
CY2013Q4 us-gaap Operating Leases Future Minimum Payments Receivable Current
OperatingLeasesFutureMinimumPaymentsReceivableCurrent
4406000
CY2013Q4 us-gaap Assets Fair Value Disclosure Nonrecurring
AssetsFairValueDisclosureNonrecurring
548000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Other
DeferredTaxAssetsTaxDeferredExpenseOther
3601000
CY2013Q4 us-gaap Financing Receivable Recorded Investment1 To29 Days Past Due
FinancingReceivableRecordedInvestment1To29DaysPastDue
93303000
CY2013Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
917000
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
10769000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
17455000
CY2013Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
7100000
CY2011 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
-252000
CY2011 us-gaap Premiums Earned Net
PremiumsEarnedNet
13115000
CY2011 us-gaap Other Income
OtherIncome
4669000
CY2011 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
91513000
CY2011 us-gaap Net Income Loss
NetIncomeLoss
21040000
CY2011 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
73660000
CY2011 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
9155000
CY2011 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2581000
CY2011 us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
450000
CY2011 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.25
CY2013Q4 rm Financing Receivable Recorded Investment Thirty To Fifty Nine Days Past Due Percent
FinancingReceivableRecordedInvestmentThirtyToFiftyNineDaysPastDuePercent
0.031 pure
CY2013Q4 rm Amount Of Specific Reserve For Impaired Accounts
AmountOfSpecificReserveForImpairedAccounts
3747000
CY2013Q4 rm Number Of Branches Purchased
NumberOfBranchesPurchased
2 Branches
CY2013Q4 rm Financing Receivable Recorded Investment One To Twenty Nine Days Past Due Percent
FinancingReceivableRecordedInvestmentOneToTwentyNineDaysPastDuePercent
0.171 pure
CY2013Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.032 pure
CY2013Q4 rm Accounts In Bankruptcy In Nonaccrual Status
AccountsInBankruptcyInNonaccrualStatus
1955000
CY2013Q4 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.055 pure
CY2013Q4 rm Notes Receivable Net Percent
NotesReceivableNetPercent
1.00 pure
CY2013Q4 rm Number Of New Offices Acquired During Period Net
NumberOfNewOfficesAcquiredDuringPeriodNet
2 Office
CY2013Q4 rm Derivative Instrument Purchase Price
DerivativeInstrumentPurchasePrice
12000000
CY2013Q4 rm Financing Receivable Recorded Investment Past Due Percent
FinancingReceivableRecordedInvestmentPastDuePercent
0.080 pure
CY2013Q4 rm Financing Receivable Recorded Investment Equal To Greater Than Ninety Days Past Due Percent
FinancingReceivableRecordedInvestmentEqualToGreaterThanNinetyDaysPastDuePercent
0.032 pure
CY2013Q4 rm Financing Receivables Related With Customers In Bankruptcy
FinancingReceivablesRelatedWithCustomersInBankruptcy
7024000
CY2013Q4 rm Financing Receivable Equal To Greater Than One Hundred And Eighty Days Past Due Excluding Bankruptcy
FinancingReceivableEqualToGreaterThanOneHundredAndEightyDaysPastDueExcludingBankruptcy
1563000
CY2013Q4 rm Average Financing Receivable Individually Evaluated For Impairment
AverageFinancingReceivableIndividuallyEvaluatedForImpairment
8118000
CY2013Q4 rm Financing Receivable Recorded Investment Current Percent
FinancingReceivableRecordedInvestmentCurrentPercent
0.749 pure
CY2013Q4 rm Financing Receivable Recorded Investment Sixty To Eighty Nine Days Past Due Percent
FinancingReceivableRecordedInvestmentSixtyToEightyNineDaysPastDuePercent
0.017 pure
CY2013Q4 rm Amount Of General Component Of Reserve
AmountOfGeneralComponentOfReserve
26342000
CY2013Q4 rm Business Combination Recognized Identifiable Goodwill Amount
BusinessCombinationRecognizedIdentifiableGoodwillAmount
353000
CY2013Q4 rm Income Tax Obligations Forgone Maximum Percent By Directors
IncomeTaxObligationsForgoneMaximumPercentByDirectors
0.40 pure
CY2013Q4 rm Restricted Stock Awards Vesting Occurrence Period
RestrictedStockAwardsVestingOccurrencePeriod
P5D
CY2012Q2 rm Number Of Individual Owners
NumberOfIndividualOwners
3 Owner
CY2012Q1 rm Number Of Sponsors
NumberOfSponsors
2 Sponsor
CY2011 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.19
CY2011 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
9620967 shares
CY2011 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.35 pure
CY2011 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
41493000
CY2011 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
9336727 shares
CY2011 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
284240 shares
CY2011 us-gaap Revenues
Revenues
105337000
CY2011 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition
191000
CY2011 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
33330000
CY2011 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
2531000
CY2011 us-gaap Premiums Written Net
PremiumsWrittenNet
14220000
CY2011 us-gaap Income Tax Reconciliation Deductions Extraterritorial Income Exclusion
IncomeTaxReconciliationDeductionsExtraterritorialIncomeExclusion
511000
CY2011 us-gaap Income Taxes Paid
IncomeTaxesPaid
7548000
CY2011 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
156000
CY2011 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
3464000
CY2011 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
593000
CY2011 us-gaap Interest Expense Related Party
InterestExpenseRelatedParty
4037000
CY2011 us-gaap Costs And Expenses
CostsAndExpenses
72007000
CY2011 us-gaap Other Expenses
OtherExpenses
6573000
CY2011 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
41722000
CY2011 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
17147000
CY2011 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
4361000
CY2011 us-gaap Interest Expense Long Term Debt
InterestExpenseLongTermDebt
8306000
CY2011 us-gaap Increase Decrease In Book Overdrafts
IncreaseDecreaseInBookOverdrafts
-364000
CY2011 us-gaap Share Based Compensation
ShareBasedCompensation
191000
CY2011 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
17854000
CY2011 us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
3993000
CY2011 us-gaap Marketing Expense
MarketingExpense
2056000
CY2011 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
825000
CY2011 us-gaap Interest Expense
InterestExpense
12343000
CY2011 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
883000
CY2011 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
11666000
CY2011 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
3828000
CY2011 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-79222000
CY2011 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
-169000
CY2011 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
533000
CY2011 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
1437000
CY2011 us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
42708000
CY2011 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
7929000
CY2011 us-gaap Occupancy Net
OccupancyNet
6527000
CY2011 us-gaap Depreciation
Depreciation
1204000
CY2011 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
2607000
CY2011 us-gaap Labor And Related Expense
LaborAndRelatedExpense
25679000
CY2011 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
7104000
CY2011 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
252000
CY2011 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
12290000
CY2011 rm Consulting And Advisory Fees
ConsultingAndAdvisoryFees
975000
CY2011 rm Interest Paid To Related Parties
InterestPaidToRelatedParties
4604000
CY2011 rm Number Of Offices Opened
NumberOfOfficesOpened
36 Office
CY2011 rm Guaranteed Auto Protection Revenue
GuaranteedAutoProtectionRevenue
376000
CY2011 rm Interest Paid To Third Parties
InterestPaidToThirdParties
7698000
CY2011 rm Proceeds From Repayments Of Subordinated Debt And Other Notes Net
ProceedsFromRepaymentsOfSubordinatedDebtAndOtherNotesNet
-466000
CY2011 rm Accretion Amortization Of Discounts On Purchased Receivables
AccretionAmortizationOfDiscountsOnPurchasedReceivables
9000
CY2013 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2013 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2013 dei Amendment Flag
AmendmentFlag
false
CY2013 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2013 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2013
CY2013 dei Document Type
DocumentType
10-K
CY2013 dei Document Period End Date
DocumentPeriodEndDate
2013-12-31
CY2013 dei Entity Central Index Key
EntityCentralIndexKey
0001519401
CY2013 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2013 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2013 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2013 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2013 us-gaap Financing Receivable Allowance For Credit Losses Factors That Influenced Managements Judgment
FinancingReceivableAllowanceForCreditLossesFactorsThatInfluencedManagementsJudgment
The methodology for estimating the allowance for credit losses changed from the trailing eight to trailing six month losses on small installment finance receivables, trailing twelve to trailing ten month losses on large installment finance receivables, and trailing twelve to trailing eleven month losses on retail purchase finance receivables
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Number Of Shares
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedNumberOfShares
57000 shares
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0203 pure
CY2013 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.23
CY2013 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12893693 shares
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4774 pure
CY2013 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.35 pure
CY2013 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
15.00
CY2013 us-gaap Debt Instrument Maturity Date
DebtInstrumentMaturityDate
2013-10-25
CY2013 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.29
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Nonvested Options Forfeited Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsForfeitedWeightedAverageGrantDateFairValue
15.00
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P5Y7M6D
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P10Y
CY2013 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
20.33
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Award Vesting Period1
ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1
P5Y
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
15.00
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
20.33
CY2013 us-gaap Debt Instrument Interest Rate During Period
DebtInstrumentInterestRateDuringPeriod
0.1525 pure
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0000 pure
CY2013 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
72590000
CY2013 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
6.25
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
127000 shares
CY2013 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12572298 shares
CY2013 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1 Segment
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Nonvested Options Forfeited Number Of Shares
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsForfeitedNumberOfShares
8000 shares
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P3Y7M6D
CY2013 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
140000 shares
CY2013 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 12px"><font style="FONT-FAMILY: Times New Roman" size="2"><b>Reclassifications:</b> Certain prior period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders&#x2019; equity.</font></p> </div>
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
8000 shares
CY2013 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
321395 shares
CY2013 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 12px"><font style="FONT-FAMILY: Times New Roman" size="2"><b>Use of estimates:</b>&#xA0;The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from those estimates.</font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 12px"><font style="FONT-FAMILY: Times New Roman" size="2">Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, fair value of stock based compensation, the valuation of deferred tax assets and liabilities, and the allocation of the purchase price to assets acquired in business combinations.</font></p> </div>
CY2013 us-gaap Allowance For Loan And Lease Losses Period Increase Decrease
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease
3901000
CY2013 us-gaap Concentration Risk Geographic
ConcentrationRiskGeographic
The Company's portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee) and three southwestern states (Oklahoma, New Mexico and Texas)
CY2013 us-gaap Revenues
Revenues
170629000
CY2013 us-gaap Stock Issued During Period Value Issued For Services
StockIssuedDuringPeriodValueIssuedForServices
869000
CY2013 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition
702000
CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
46254000
CY2013 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
575000
CY2013 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
357000
CY2013 us-gaap Premiums Written Net
PremiumsWrittenNet
17260000
CY2013 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
873000
CY2013 us-gaap Income Taxes Paid
IncomeTaxesPaid
16205000
CY2013 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
1065000
CY2013 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-2977000
CY2013 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1031000
CY2013 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
-1000
CY2013 us-gaap Premiums Earned Net
PremiumsEarnedNet
16057000
CY2013 us-gaap Other Income
OtherIncome
6816000
CY2013 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
152343000
CY2013 us-gaap Net Income Loss
NetIncomeLoss
28794000
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
2448000
CY2013 us-gaap Share Based Compensation
ShareBasedCompensation
1571000
CY2013 us-gaap Occupancy Net
OccupancyNet
11640000
CY2013 us-gaap Depreciation
Depreciation
2174000
CY2013 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
137031000
CY2013 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
11470000
CY2013 us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
731000
CY2013 us-gaap Payments To Acquire Property Plant And Equipment
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